We are a local, not for profit financial institution. We specialise in providing a safe place for savings and loans in our community. Established in 1972, Ballincollig Credit Union Limited is proud of its heritage and continues to be governed by our members and voluntary Board of Directors. A credit union is a group of people who save together and lend to each other at a fair and reasonable rate of interest. We offer members the chance to have control over their own finances by making their own savings work for them. Ballincollig Credit Union Limited is owned by the members — the people who save and borrow with it — people like you. When you become a member and start saving with Ballincollig Credit Union Limited you will have access to fair and reasonable rates on savings and loans. Your savings contribute to your credit union’s loan fund. So your savings are helping other members. Members like you. Ballincollig Credit Union Limited exists only to serve its members — not to profit from their needs. Surplus income generated is returned to the members by way of a dividend and/or is directed to improved or additional services required by the members. Ballincollig Credit Union Limited is non-sectarian and non-political, and continues that Irish tradition of co-operative self-help.